Bank of America vs. Climate First Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Bank of AmericaAdvantage Savings Jan 21, 2026 | Climate First BankSuper Duper Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 0.01% | 4.21% |
Est. Earnings | $5,000+$1 $10,000+$1 $25,000+$3 | $5,000+$211 $10,000+$421 $25,000+$1,053 |
Min Deposit | $100 | $50 |
Snapshot view. Rates subject to change. | ||
Terms | APY may vary by market. The monthly fee may be waived under some circumstances, such as if you maintain a minimum balance of $500, or are below the age of 25, etc. | - |
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Comparison Analysis
Comparing Bank of America vs. Climate First Bank
As of Bank of America offers an APY of 0.01% for its Advantage Savings account, with a minimum balance of , compared to Climate First Bank's 4.21% APY for its Super Duper Savings Account, with a minimum balance of $0.
Climate First Bank pays $420 more than Bank of America on a $10,000 balance after one year. Bank of America pays $1, while Climate First Bank pays $421 - an APY advantage for Climate First Bank.
Why Bank of America?
No distinct advantages found vs Climate First Bank.
Why Climate First Bank?
- ✓Higher potential APY (4.21% vs 0.01%) on all balances
- ✓No checking account or direct deposit required
- ✓Physical branch access (3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL)
— Key Feature Differences —
Better Returns at $10,000
Climate First BankClimate First Bank's Super Duper Savings Account earns more on smaller deposits (approx. $421 vs $1/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $3/yr).
Best for Simplicity
Climate First BankClimate First Bank's Super Duper Savings Account offers 4.21% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Climate First Bank's Super Duper Savings Account pays $420 more interest on a $10,000 balance than Bank of America's Advantage Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Climate First Bank offers a clear advantage with its Super Duper Savings Account, boasting a competitive APY of 4.21%. This account does not require direct deposit and has no maintenance fees if electronic statements are chosen, making it an attractive option for savers. In contrast, Bank of America’s Advantage Savings account yields only 0.01% APY, with a minimum deposit of $100 and a monthly maintenance fee of $8, which can be waived under certain conditions. Overall, for those seeking higher returns without complex requirements, Climate First Bank is the preferred choice.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Bank of America vs. Climate First Bank Savings Calculator
You earn $420 more with Climate First Bank than Bank of America on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Bank of America
Advantage Savings
Savings Breakdown
- Interest Earned+$1.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,001.00
Climate First Bank
Super Duper Savings Account
Savings Breakdown
- Interest Earned+$421.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,421.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Bank of America | Climate First Bank |
|---|---|---|
| APY | 0.01% Verified: 1/21/2026 Stable (90d) | 4.21% Verified: 1/21/2026 - |
| Product Name | Advantage Savings | Super Duper Savings Account |
| Minimum Deposit | $100 | $50 |
| Min. Balance for APY | N/A | $0 |
| Monthly Fee | $8 | $0, if electronic statements selected, otherwise $5 |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.6 | iOS4.9 Android4.4 |
| Zelle® Support | Available Limit: $3,500/dayFounding member; highest limits for established users. | Available Verified in Climate First Bank Personal app. |
| BBB Rating | A+ | A- |
| Important Notes | APY may vary by market. The monthly fee may be waived under some circumstances, such as if you maintain a minimum balance of $500, or are below the age of 25, etc. | - |
| Next Steps | Visit SiteVerify at Bank of America Non-sponsored link to official site | Visit SiteVerify at Climate First Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bank of America | Climate First Bank |
|---|---|---|
| Advantage Savings | Super Duper Savings Account | |
Current APY | 0.01% | 4.21% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.0 | 0.0 |
Days Since Change | 36 | 56 |
2-Month High | 0.03% | 4.21% |
2-Month Low | 0.01% | 4.21% |
Adjustments / Mo | 1.05 | 0.00 |
Volatility Score | 0.254 | 0.000 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Bank of America vs...
Comparing against Standard Savings
Compare Climate First Bank vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.